GoodReturns | NZ’s financial adviser news-item centre

Income protection sustainable or just more noise?

The future of income protection insurance is likely to come under more scrutiny this year. In the first of a four-part series Jon-Paul Hale takes aim at some claims made by Partners Life.

Wed, Jan 22nd 2020 10:12AM

My wildly unhelpful prediction …

6 min read

Policy ownership, a simple concept?

6 min read

As confusion reigns and opinions are strong, is it all a bit much?

8 min read

What is the advice risk?

You could be forgiven for keeping your head down, servicing clients and paying the bills. And frankly, we all need to be doing that.

7 min read

To FAP or not to FAP, that is the question

There is plenty of ongoing discussion in the market around this question but should we also be asking – who owns the clients?

5 min read

To FAP or not to FAP, that is the question

The willful ignorance of a miopic point of view

Sounds angry and somewhat is. It comes from constantly being told that commission-based sales people, especially life insurance advisers, are bottom-feeding scum of the earth.

4 min read

The willful ignorance of a miopic point of view

More work needs to be done on policy ownership

Getting the ownership of life insurance policies right is critical; but one bank has no idea, Jon-Paul Hale says.

4 min read

More work needs to be done on policy ownership

Chicken Little and the falling sky

It’s been said to me before, J-P how about looking at the glass being half full? Funny thing is the human brain is naturally a bit pessimistic, 60/40% if the studies I’ve read on the subject are right.

6 min read

Southern Cross – service or not?

Jon-Paul Hale gives his take on what Southern Cross's change to trail commissions means for advisers.

5 min read

Ideal client outcomes

There seems to be a renewed amount of noise on what an ideal client outcome looks like. And to be frank, I haven’t seen or heard a definition of one that is clear, concise, and simple.

6 min read

Consumer and its misguided approach

Does the recent insurance market survey paint an accurate picture of consumer opinion?

4 min read

Churn keeps coming up in discussions, everywhere. In the insurers, with advisers, and with regulators.

Churn: The movement of cover form one provider to another for the sole benefit of the adviser and what they earn

6 min read

Churn keeps coming up in discussions, everywhere. In the insurers, with advisers, and with regulators.

Conduct and culture, the bits we should be talking about

From the comments around the industry in the last couple of weeks, the commission thing has been and has always been a red herring.

7 min read

Conduct and culture, the bits we should be talking about

Chatter about churn and commission

Given the latest chatter about commission, I thought dusting this off was appropriate now.

5 min read

Commission: The gun that needs to be in the right hands

Commission, it's like a gun, it's neither good nor evil until it is put in the hands of a human.

8 min read

Commission: The gun that needs to be in the right hands

Rough start to the year

We've had a reasonably rough start to the year with reporting and political tub-thumping. Between the Reserve Bank report, the Australian Royal Commission report, and the governments on both side of the Tasman, it's fair to say Financial Services has had a rough time.

8 min read